Many people retire to the South, and if you're considering that, one place to think about is the Hospitality State. Mississippi is a great state if you want to enjoy everything this area of the US has to offer, from its catfishing to its southern hospitality. The cost of living is low, which we will get to in a second. Weather-wise, you're in a state where it can be humid all year long, so you're in luck if you like an area without a harsh winter. Mississippi is a great state to live in, and we will break down the costs to tell you why.
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Many southern states have a low cost of living, and Mississippi is no exception. The cost of living is about 14 points below the national average, with every price being lower than the rest of the country. So if you're looking for a house, Mississippi is one of the best places to buy one, as its housing is 33.3 points lower than the national average, with the median home cost being much lower than the rest of the country. Even the rent is much cheaper compared to the national average. So if you want to retire in style, Mississippi is an affordable place for you to do so.
Cost-of-living indices
100 = US average. Higher means more expensive.
Housing & rent
Statewide medians and averages.
Whether you're comparing options for a parent or planning ahead for yourself, here's where to start by care level.
Assisted living provides personal care, meals, and daily support for seniors who need help with everyday tasks but not full medical supervision.
Memory care is a specialized type of senior living for people with Alzheimer's disease, dementia, or other cognitive decline.
Independent living is community housing for active seniors who want amenities, social life, and freedom from home upkeep without daily personal-care services.
Home care brings personal-care services and companionship into the senior's own home rather than moving them into a community.
A skilled nursing facility (SNF, often called a nursing home) provides 24-hour licensed medical care and rehabilitation for seniors with serious health conditions.
Senior apartments are age-restricted rental homes - typically for residents 55+ or 62+ - designed for older adults who live independently.
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Hand-picked from our directory
Olive Branch, MS
3.5 · 33 reviews
Olive Branch, MS
4.1 · 23 reviews
Biloxi, MS
4.1 · 21 reviews
Ocean Springs, MS
4.8 · 20 reviews
Olive Branch, MS
4.7 · 20 reviews
Olive Branch, MS
4.6 · 20 reviews
Caregivers who come to you
Cleveland, MS
4.6 · 76 reviews
Bay Saint Louis, MS
4.8 · 49 reviews
Laurel, MS
4.5 · 17 reviews
Biloxi, MS
5.0 · 10 reviews
Clinton, MS
4.7 · 7 reviews
Petal, MS
5.0 · 5 reviews
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Guides for families
Resource library
The enhanced premium tax credits that held down Affordable Care Act premiums from 2021 through 2025 have expired, and Congress has not renewed them for 2027. The 400 percent subsidy cliff is back, and adults 50 to 64 face the steepest increases. Here is what changed and what to do during open enrollment.
Resource library
If you claim Social Security early and keep working, 2027 lets you earn more before any benefit is held back. The under-full-retirement-age limit rises to $25,560 a year. Here is how the earnings test works, what counts as earnings, and why the money that is withheld is not actually gone.
Resource library
For two years, a federal program quietly held down the premiums on stand-alone Medicare drug plans. It ends with the 2027 plan year, which is why some Part D premiums could jump more this Open Enrollment than they have recently. Here is what changed, who is affected, and how to protect your drug costs before December 7.
Savings
Section 8, Section 202, public housing and tax credit apartments explained in plain language: who qualifies, what rent really costs, what paperwork to gather, and how to work the waiting lists so you don't lose your place.
Savings
Costco does not offer senior discounts, but retirees have other ways to save through membership benefits. Compare the annual fee with potential savings on hearing aids, prescriptions, gas, and bulk essentials.
Savings
McDonald's senior discounts vary by location and usually apply to coffee or other beverages. Learn how to check eligibility, request senior pricing, and compare your savings with app offers.
More beyond care: all savings guides and all buying guides.
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